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Americo Medicare Supplement Insurance Review

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Americo is an insurance provider based in Kansas City, Missouri. It offers Medicare Supplement insurance through its partnership with Great Southern Life Insurance Company as well as life insurance and annuities. The company has been in business since 1946.
 
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How is Americo rated?

Breakdown

3.5/5
Level of Coverage
4.0/5
Services
4.0/5
Reputation and Customer Experience
4.0/5
Financial Strength

Overall Rating: 3.9 / 5 (Very good)

Americo doesn't offer quite as many options as some of its competitors, yet it retains a loyal customer base thanks largely to its emphasis on customer support. If you want personalized assistance choosing a plan, you can contact the company by phone, but there's also an online quote tool that enables you to instantly compare your options if you'd rather do the research yourself.

Americo Coverage

Level of Coverage - 3.5 / 5

Americo offers most of the major Medicare Supplement plans you'd expect, though if you're interested in Plans K, L or M, you may have to explore some other options. Still, these omissions shouldn't be a major concern as there's still a lot of choice, including several of the most popular plans. If you're new to Medicare Supplement plans, you can learn a little about what each one covers on Americo's website. This can help you decide which one is best for you.

Plan Types

  • Plan A - Will cover hospital medical bills for inpatient hospital care, skilled nursing facilities and hospice care. This coverage is free for seniors who have paid at least ten-years of Medicare taxes while being employed.
  • Plan B - Will cover medical bills from doctor’s services and other outpatient care such as lab testing, diagnostic and preventative care services and medical supplies that are medically necessary. Seniors must pay a monthly premium for Part B coverage.
  • Plan C - One of the most popular plans, it adds on a skilled nursing facility daily copay, the Part B annual deductible, and emergency care outside of the U.S.
  • Plan D - Though this includes most of the same benefits as plan C, it does not cover the Part B deductible.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

Americo Pricing

Services - 4 / 5

As with any health insurance, your Americo Medicare Supplement insurance premium will depend on where you live and which plan you choose. The simplest way to figure that out is to fill out its online quote tool. It only takes a few minutes and then you'll be able to see the premium and deductible costs of all your options as well as what they cover so you can quickly determine which makes the most sense for you.

Americo Customer Experience

Reputation and Customer Experience - 4 / 5

Americo has received favorable reviews both from customers and from independent ratings agencies like the Better Business Bureau. It's scored an impressive 4.8 out of 5 on TrustPilot, which could be due in part to the emphasis it puts on customer service. If you have any questions about its Medicare Supplement plans, you have several options for reaching out to the company to get the assistance you need.

Support

  • Email
  • Snail mail
  • Toll-free number
  • In-person availability

Educational Resources

  • Articles

Reviews

BBB Rating
A+
Trust Pilot Rating
4.4 out of 5
Date Collected
2020-11-18

Americo Financial Strength

Financial Strength - 4 / 5

Americo has received an A rating from A.M. Best, which is among the highest ratings the company offers. This is a good sign because it means Americo shouldn't have trouble paying out your Medicare Supplement claims when necessary.

Ratings

AM Best Financial Rating
A

Year Founded

1946

Underwriter

Great Southern Life Insurance Company

Company Profile

Full Name
Americo Medicare Supplement Insurance
Company Website
https://www.americo.com/
Headquarters
300 W 11th St., Kansas City, MO, 64105

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Top Rated
Our Partner
  • Limit out-of-pocket costs
  • 8 of 10 Medigap policies offered, depending on location
  • Managed healthcare solutions
  • National coverage
  • High deductible Plan F available in some states
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